I figured out the problem. the 3ds doesn't like the arm9loaderhax.bin on the root. if u have a more current stage 2, it's best to leave it out all together. drop it into the anim folder with arm9payload.bin (think that was it), and leave the boot animation as arm9loader_si.bin. if u have arm9loader.bin, it overrides arm9loader_si.bin apparently. I hope this is useful info for anyone else who faces the same problem when updating luma.